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Best Credit Repair in Cincinnati, OH

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Written by Kathryn Parkman

Many people in Cincinnati hire a credit repair company to raise their credit scores. To help, we have created this list of best credit repair companies in Cincinnati. Remember: When comparing companies, consider if there’s a free consultation, how much they charge for services and if they offer a money-back guarantee.

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Top 8 Cincinnati Credit Repair Companies

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    Credit repair services in Cincinnati

    The average credit score in Cincinnati is about 699, but more than half the population has a credit score below 649. A low credit score impacts your ability to qualify for loans while giving you higher interest rates.

    Monthly credit repair in Cincinnati costs
    $65 - $170

    Your payment history, debts and credit accounts all impact your credit score one way or another. If you don’t already know your credit score, you can request a free yearly credit report from each credit reporting bureau (Experian, Equifax and TransUnion).

    It’s common to find inaccuracies on your credit report that drag down your overall score. You can dispute errors on your credit report, but it’s a time-consuming and complicated process. Credit repair companies employ experts that can make the process easier by having them dispute items for you.

    Credit repair regulations in Cincinnati

    Federal regulations make it illegal for credit repair companies to make false claims or demand advance payment. Federal law also requires that credit repair contracts are in writing, and certain disclosures are made. Companies must also provide consumers with certain contract cancellation rights.

    In Ohio, the Credit Services Organization Act gives consumers three days to cancel their contract with a credit repair company. Companies must provide consumers with a written notification of their right to cancel. The regulation also requires that companies offering credit repair, debt counseling and related services register with the Ohio Department of Commerce.

    Cincinnati credit repair FAQ

    Is credit repair legal in Ohio?
    Yes, credit repair is legal in Ohio. State law regulates the kinds of promises credit repair companies can make. Ohio law also regulates the disclosures companies must provide consumers.
    How much does credit repair cost in Cincinnati?
    The cost for credit repair services in Cincinnati ranges from $65 - $170 per month. Some companies charge onboarding fees in addition to monthly costs to set up your account and pull your credit reports. Companies sometimes structure their prices based on the number of items removed from your report, with ranges from $10 - $70 per item.
    How can you tell if a credit repair company is a scam in Cincinnati?
    In Cincinnati, credit repair companies that are scams usually ask for payment upfront and promise or guarantee to increase credit scores to a specific number in a short time. Legally, a credit repair company cannot charge upfront payments, make misleading claims or ask a client to sign anything that forfeits their rights. It’s also a red flag if the company does not provide a written contract.

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      Cincinnati credit repair company information

      Credit Lynx

      Credit Lynx services include credit report disputes, creditor interventions, credit identity analysis, cease and desist letters and credit improvement analysis. Customers have 24-hour account access with email and text updates. Credit Lynx also offers credit education resources and access to financial management tools.

      • Service areas: Ohio and surrounding states
      • Address: 228 Mill St., Ste. 200, Milford, OH 45150
      • Phone: (513) 878-0181
      • Hours: M - F: 9am - 6pm
      • Website: creditlynx.com
      Complete Credit Repair Services

      Complete Credit Repair Services is a credit repair and counseling company that provides credit analysis and dispute services to the Cincinnati area. On average, credit scores increase between 25 and 250 points. Clients get 24/7 access to their accounts and can cancel any time for free. The company also has financial education articles about saving money and budgeting on its website.

      • Service areas: Cincinnati metro area
      • Address: 4030 Mt. Carmel Tobasco Road, Ste. 125, Cincinnati, OH 45255
      • Phone: (513) 248-2600
      • Hours: M - F: 10am - 7pm; Sat - Sun: 9am - 1pm
      • Website: helprepaircredit.com
      Credit Improvers

      Credit Improver is a licensed and bonded credit services organization that offers a 100% money-back-guaranteed program to improve customer credit reporting. The company has an attorney on staff. Customers pay a one-time service see and no additional costs.

      • Service areas: Cincinnati metro area
      • Address: 2300 Montana Ave., Ste. 430, Cincinnati, OH 45211
      • Phone: (800) 267-9902
      • Hours: M - F: By appointment
      • Website: creditimprovers.com
      CMAC Credit Experts

      CMAC Credit Experts are a fully licensed and bonded company focused on financial literacy education, specifically credit scoring. CMAC Credit Experts remove inaccurate, obsolete and unverifiable information from credit reports, plus settle collections and outstanding balances. The company’s improvement approach targets all five areas of FICO credit scores.

      • Service areas: Beavercreek
      • Address: 70 Birch Alley, Ste. 240, Beavercreek, OH 45440
      • Phone: (937) 886-6658
      • Hours: M - F: 8:30am - 5pm
      • Website: mycmac.com
      Credit Repair Cincinnati

      Credit Repair Cincinnati provides free quotes for credit repair services. The company also provides educational information about Cincinnati credit scores statistics, how companies help repair credit scores and how pricing works.

      • Service areas: Cincinnati and surrounding areas
      • Address: Online services only
      • Phone: (513) 657-3643
      • Hours: M - F: 8am - 6pm
      • Website: creditrepaircincinnati.info